Commercial Insurance Knowledge Center:

Inland Marine Insurance For Your Business

If you move goods or equipment from one location to another, or have an off-premises exposure, you need the special protection of Inland Marine coverage. Inland Marine can protect many types of property including property at your location, in transit, at a customer’s location, or property of others in your care. We have numerous coverages designed to provide you with the specific protection your business needs.

Property Insurance For Your Business

We offer a variety of excellent property coverages for your business’ buildings, personal property, and income. Most property policies include additional coverage at no charge that provides higher coverage limits than most standard policies, in addition to extra coverages normally not found. Some coverages even offer you the option to purchase higher limits.

The following list only highlights some of the coverages included:

Newly Acquired Property and Business Personal Property

Property Off-Premises

Outdoor Property and Outdoor Signs attached to Buildings

Lawn Coverage on which your property is located

Arson Reward information leading to an arrest

Extra Expenses incurred to keep your business running after an insured loss

General Liability Insurance For Your Business

You must protect your customers from potential injury – your financial security can be put at risk if you are legally liable for damage to someone’s property or if someone is injured as a result of your business operation. No matter how thoroughly you have been trained in your line of business, you are not fully protected unless you have liability insurance.

Liability coverages often include:

coverage for tenants’ property damage liability

Medical Payments

Expanded Fire Damage – coverage is extended to apply not only as a result of fire, but also explosion, release of smoke from an unfriendly fire, or sprinkler leakage incidents

coverage is provided for additional insureds when required by written contract

Extended Property Damage – coverage is provided for bodily injury and property damage resulting from the use of reasonable force to protect persons or property

additional insured status is extended to employees who provide professional health services when this exposure is incidental